The days of simply speaking to your bank to arrange finance have gone, along with the traditional bank manager to business relationship.
Businesses depend on finance and whilst there are plenty of providers, navigating through the maze of facilities can be time consuming and not always rewarding. This is where third party advice can be enormously valuable.
One basic principle to always bear in mind is that the length of time over which you are looking to borrow should broadly equate to the expected life of the asset (of whatever description) you are looking to fund.
Business history is littered with failures brought about by borrowing inappropriately. Hence the importance attached to getting it right.
I tend to concentrate on working capital finance
- Invoice Finance, also known as Debtor finance, to include Factoring, Invoice Discounting
- Peer to Peer Business Loans
- Short term business loans
- Asset finance
After 20 years within commercial finance I will happily discuss other funding types, from debt to equity, from commercial property to fleet finance and all points in between but would rather then introduce a specialist in that particular field. I have a strong network of good, reliable, experienced people across all finance sectors.